Judgment interest calculator for Texas, Florida and Georgia
Key takeaways
Texas: 6.75% for judgments in October 2026, compounded once a year.
Florida: 7.87% a year for judgments from October 1, 2026.
Georgia: prime rate on the judgment date plus 3%, which is 10% today.
An $8,000 Texas judgment at 6.75% earns $540 in its first year.
Loading the calculator. The rate table below has the figures it uses.
What are the post-judgment interest rates?
Each state sets its rate a different way. These are the rates and rules we checked on official sources on October 31, 2026.
| State | Rate now | How it is set | Compounding | Source |
|---|---|---|---|---|
| Texas | 6.75% (October 2026) | Prime rate on the computation date, min 5%, max 15%, published monthly | Annual | OCCC rates, Fin. Code 304 |
| Florida | 7.87% (from Oct 1, 2026) | Set quarterly by the CFO, adjusts each January 1 until paid | Not stated; we estimate simple | Florida CFO, Fla. Stat. 55.03 |
| Georgia | 10.00% (prime 7.00% + 3%) | Prime rate on the judgment date plus 3% | Not stated; we estimate simple | O.C.G.A. 7-4-12, prime rate |
How does the calculator work it out?
For Texas it compounds once a year: each full year's interest is added to the balance, and the part year after that is simple interest. An $8,000 judgment at 6.75% grows to $9,116.45 after two years. For Florida and Georgia it uses simple interest at one rate, which is an estimate. Florida's rate resets each January 1, so a judgment that crosses a new year will be off by the change in rate.
Which rate should I use for an older judgment?
Use the rate in force on your judgment date, not today's. Texas publishes past monthly rates on the OCCC page, Florida lists past quarterly rates on the CFO page, and Georgia's prime rate history is on the Federal Reserve data page. Type that rate into the calculator. Your signed judgment may also state the rate, and that controls.
What do I do with the number?
Put the interest to date in any post-judgment letter, and update it when you ask for a writ or a payoff. Our guide to collecting a judgment in Texas walks through abstracts, writs and what is exempt. Easy Small Claims quotes collection steps separately and takes no cut of what you recover.
Last updated October 2026. Easy Small Claims is not a law firm and this page is general information, not legal advice.
Questions, answered
What is the post-judgment interest rate in Texas?
For most money judgments it is the prime rate published by the Texas consumer credit commissioner for the month of the judgment, with a 5% floor and a 15% ceiling. The October 2026 rate is 6.75%, and it compounds once a year. If your contract set its own rate, a different rule can apply, so check your judgment.
What is the judgment interest rate in Florida?
Florida's Chief Financial Officer sets it every quarter. For judgments from October 1, 2026, it is 7.87% a year, down from 8.06% for July to September. The rate on an unpaid judgment then adjusts each January 1 to the rate in effect at that time, so an older judgment changes rate as the years pass.
How is post-judgment interest calculated in Georgia?
Georgia adds 3% to the prime rate published by the Federal Reserve on the day the judgment is entered. With prime at 7.00% in late October 2026, that comes to 10.00% a year. If the contract set a different interest rate, the judgment may carry that rate instead, so read the judgment before you rely on a figure.
When does post-judgment interest start?
Generally on the date the judgment is entered, and it runs until the judgment is paid. Use the judgment date shown on the signed judgment, not the hearing date if they differ. If the debtor pays part of it, ask the clerk how the payment is applied before you work out what is still owed.
A small business owner himself, Nitin has been on the wrong end of an unpaid invoice and knows how easy it is to give up on one. He built Easy Small Claims so owners can get that money back. He is also a practicing barrister.